Duck: broken arm, burn in the kitchen===ME: This is exactly the problem. There is no reason you "would need coverage" for any of those things.That's like buying insurance for your DVR from Best Buy. You can afford to replace it, so you don't need insurance. It's a rip off, like the extended warranty at the dealership.=-=Duck: What the HELL are you talking about? Perhaps I'm not giving good examples.I am talking about exactly the problem with healthcare spending. There is no reason for most anyone to have insurance to cover a broken arm, a kitchen burn, the common cold, annual flu vaccine., etc. You only need insurance for things that you cannot afford to happen.This is why you are foolish if you buy insurance from best buy on your DVD, or have anything other than liability insurance on an old, worthless clunker. But you should have insurance against your house burning down.The added problem of course with healthcare. No mater what the cost, some people seem to think that everyone is entitled to the same or similar level of care. That doesn't seem particularly fair. Not to mention that "free" trips to the ER or clinic or where ever are necessarily options that are taken advantage of due to the price.So how can we build a "universal" healthcare system? I don't know, but the model eventually seems likely to look like universal education. public schools of variable quality that we are all stuck paying for. Expensive private schools for people who don't want to subject themselves to that. Added bonus, the public schools have (to a certain extent) sovereign immunity, so you can't sue them. Here's a great way to control costs-- let all of medicare, medicaid, and Obamacare go to government clinics with sovereign immunity. I'm sure that structure will be very responsive to patients. Rejected your claim and you died while reprocessing it? Wrong medication? "Sorry. Please fill out this evaluation form." I mean for all the complaining about the insurance companies, at least you can still sue them.But just in case it doesn't work out, make sure that I can still buy my way into the Mayo Clinic.
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